Credit is so much more than a plastic card. It’s your financial trustworthiness. Having good credit means it will be easier for you to get loans and low interest rates. Low interest rates usually translate into smaller monthly payments. That’s important when you borrow money for a car or a place to live. Sometimes, people even check your credit when you apply for a job.

So good credit is a big deal, and having bad credit can be a real problem. That’s why the Federal Trade Commission (FTC) created this Web site.

As a trusted source for consumer information, the FTC wants you to know the facts when it comes to your credit.